Harrison County property record for 342 Spratley Ave, Biloxi, MS 39531
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 2,729 sqft · built 1960 |
| Owner | Individual Name on File |
| Tax Bill | $1,198 (2025) |
| Deeds & Mortgages | Jan 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 1110G-03-041.000 |
| Primary APN | 1110G-03-041.000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 2,729 sqft Adjusted Area |
| 1st Floor Area | 1,995 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1960 |
|---|---|
| Exterior Material | Brick Veneer |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Deck Area | 440 sqft |
| Patio Area | 800 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 000698 |
|---|---|
| Street Address | 342 SPRATLEY AVE |
| City | BILOXI |
| State | MS |
| Zip | 39531-2827 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 19 BLK 10 BAY VISTA SUBD |
| Legal Range | 10 |
| Legal Township | 07 |
| Legal Section | 28 |
| Legal Subdivision | BAY VISTA SUBD |
| Legal Block | 10 |
| Legal Lot Number | 19 |
| Jurisdiction | HARRISON MS |
| Township / Civil Division | 5 |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 1205 |
342 Spratley Ave is owned and occupied by an individual who acquired it in January 2023.
Source: Harrison County records, as of December 15, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 342 SPRATLEY AVE, BILOXI, MS 39531-2827 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jan 3, 2023 |
| Transfer Doc | 20230000022DJ2 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HARRISON MS |
| Recording Date | Jan 3, 2023 |
| Property Address | 342 SPRATLEY AVE, BILOXI, MS 39531-2827 |
| Document Number | 20230000022DJ2 |
| Instrument Date | Dec 29, 2022 |
| Instrument | 2023-0000022-D-J2 |
| Transaction Type | Transfer |
| Record Updated | Jan 18, 2023 |
| Name | Verified Name |
|---|---|
| Address | 18199 ROUSE RD, SAUCIER, MS 39574-9170 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 342 SPRATLEY AVE, BILOXI, MS 39531-2827 |
| Document Number | 20230000023TJ2 |
|---|---|
| Date | Jan 3, 2023 |
| Instrument | 2023-0000023-T-J2 |
| Name | GULF SOUTH MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2053 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 342 Spratley Ave was $1,198 with exemptions applied, up 4.9% from the year before.
Source: Harrison County assessment roll, as of September 1, 2025
| Type | Name |
|---|---|
| State | Mississippi |
| County | Harrison County |
| Municipality | Biloxi City |
| Unified School District | Biloxi Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,198.00 (+4.9%) Homeowner's exemption Disabled Person's exemption | $13,406 | $134,056 Land $40,000 Building $94,056 |
| 2024 | $1,142.00 (+1.15%) | ||
| 2023 | $1,129.00 (-47.34%) Homeowner's exemption Disabled Person's exemption | $13,026 | $130,258 Land $40,000 Building $90,258 |
| 2022 | $2,144.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 342 Spratley Ave in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective April 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 44 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 44 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
The area around 342 Spratley Ave has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 310 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| C Spire Wireless Fiber · Fixed Wireless in parts of the area | 8,000 / 8,000 |
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Sparklight Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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